User device enabling access to payment information in response to mechanical input detection

Abstract

The invention relates to a user device enabling access to payment information in response to mechanical input detection. In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and / or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and / or stored-value cards (e.g., transit card).

Description

[0001] This application is a divisional application of an invention patent application with the filing date of April 6, 2015, the application number of 201580021465.8, and the title of "User Equipment for Enabling Access to Payment Information in Response to Mechanical Input Detection". [0002] Cross References to Related Applications [0003] This application claims the benefit of and priority to US Provisional Application 62 / 004,338, filed May 29, 2014, and US Non-Provisional Application 14 / 475,424, filed September 2, 2014. The content of each of these applications is incorporated by reference in its entirety for all purposes. technical field [0004] The present disclosure generally relates to devices having a secure element that detects a mechanical input corresponding to a payment instruction and transmits payment information in response to the detection. Background technique [0005] Despite advances in technology, many retailers and customers are still stuck with fa...

AI Technical Summary

Problems solved by technology

However, electronic storage of payment data on networks or devices and / or infrastructure designed to complete transactions based on such transmissions may present security risks

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